Tattalin Arziki mara Kuɗi: Bankin Duniya ya ce Najeriya na buƙatar ƙarin kayan aikin dijital

Najeriya na bukatar isassun kayayyakin aiki na dijital da na hada-hadar kudi don tallafawa saurin sauya sheka zuwa tattalin arzikin da babu kudi, in ji bankin duniya.

 

Bankin Duniya ya bayyana cewa wannan na daya daga cikin dalilan da suka sa manufar sake fasalin kudin Naira na babban bankin Najeriya ya fuskanci kalubale da dama wajen aiwatar da shi.

 

Ta bayyana hakan ne a cikin rahotonta na ‘Nigeria Development Update (JUNE 2023): Yin amfani da damar’ rahoton.

 

Ya tabbatar da cewa manufar ta haifar da karancin kuɗi da kuma mummunan tasiri ga ayyukan tattalin arziki a farkon watanni na 2023.

 

Rahoton ya ci gaba da cewa: “Tsawon lokacin sauya shekar da Naira ta yi bai wadatar da CBN ya maye gurbin tsofaffin takardun kudi da aka lalata da sabbi ba, lamarin da ya janyo karancin kudi.

 

“Rashin isassun kayan aikin dijital da na kuɗi da matakai don tallafawa saurin sauye-sauye zuwa tattalin arziƙin tsabar kuɗi – tare da gaskiyar cewa kashi 40 cikin ɗari na manya ne kawai ke da asusun banki—ya ƙara dagula lamarin. Karancin tsabar kudi ya haifar da kasuwar baƙar fata don sabbin bayanan kuɗi, wanda ya haɓaka farashin ciniki gaba ɗaya.”

 

Babban bankin da ke Washington ya lura da cewa mummunan girgizar da ke haifar da ayyukan tattalin arziki ya kara ta’azzara ne ta hanyar koma bayan shawarwarin manufofi da matsaya masu cin karo da juna tsakanin jihohi da Gwamnatin Tarayya, CBN, da Kotun Koli.

 

Ya yi nuni da cewa, GDPn da ba na man fetur ba ya ragu daga matsakaicin girma na kashi 6.0 cikin 100 a shekara ta 2022 zuwa kashi 3.9 cikin 100 na yo a cikin Q1 2023.

 

“Kamfanoni sun ba da rahoton cewa rashin iya samar da kudade na yau da kullun da kuma gudanar da tsabar kudi don ciyarwa, hade da hauhawar farashin kayayyaki da karancin mai, ya haifar da raguwar bukatar.”

 

Sai dai a lokacin manufar sake fasalin Naira, biyan kudin lantarki ya karu a kasar, in ji Bankin Duniya, duk kuwa da gazawar hada-hadar kudi da aka yi.

 

A karshen shekarar 2022, CBN ya sanar da shirin sake fasalin Naira, da kayyade iyakokin janye kudi, tare da karfafa gwiwar ‘yan Nijeriya su rungumi tsarin hada-hadar kudi na lantarki.

 

Ya ce, “Ya kamata a karfafa kwastomomi da su yi amfani da madadin tashoshi (Bangaren Intanet, aikace-aikacen banki ta wayar hannu, USSD, katunan/POS, eNaira, da sauransu) don gudanar da hada-hadar banki.”

 

Ya zuwa watan Janairun 2023, bisa ga sabbin bayanai daga tsarin sasanta tsakanin bankunan Najeriya, jimillar hada-hadar kudi ta karu da kashi 45.41 bisa dari y-oy zuwa N39.58tn a watan Janairun 2023. karuwar amfani da wata.

 

Babban bankin na CBN na da shirin rage kudaden da ake biya nan da shekara ta 2025 kuma yana sa ran biyan kudin wayar hannu zai zama wani abu da ya fi shahara.

 

 

Punch/Ladan N.